Our expert advisers will help you find the best deal on your portfolio refinance loan.

We specialise in providing portfolio refinance loans.

We work with a significant volume of property investors and developers. We can provide portfolio refinance solutions with any mix of buy-to-let, holiday let, HMO and multi-unit freehold properties..

Our panel of portfolio refinance lenders provide quick decisions. Indicative portfolio refinance terms will normally be provided within 24 hours. An agreement in principle can normally be expected within 48 hours, once the initial application form has been processed.

Our advisers are ex-bankers and property investors.
Finance crafted to match your needs perfectly.
Discuss your idea for a project with us and we’ll tell you how to fund it.
  • Fast indicative portfolio refinance terms.
  • Prompt decisions from portfolio refinance lenders.
  • Competitive rates of finance for portfolio refinancing.
  • Award winning lenders on our portfolio refinance panel.
  • Highly experienced portfolio refinancing team.
  • We put the right portfolio refinance deal to the right lender.

Free consultation!

+44(0)8433 308581

Frequently asked questions

Got a question? We have the answer.

What is a mortgage portfolio loan?

A mortgage portfolio loan or a portfolio refinance is a type of funding which is available to professional property investors, where they are evaluated across their portfolio and lenders may be able provide them with enhanced rates and facilities.

Can you refinance a portfolio loan?

Yes, you can refinance a property portfolio loan, there are a number of commercial lenders that lend to portfolio landlords.

What is a portfolio landlord?

A portfolio landlord is defined by the FCA as a landlord who owns 4 or mort properties. Thereafter lenders are obligated to treat the landlord as a professional investors and evaluate the whole portfolio even if they are only lending against one or two assets. This legislation was introduced to improve the quality of funding to borrowers, but in many ways has made property funding more difficult.

Is remortgaging the same as refinancing?

Yes, remortgaging is a type of refinancing for property investors, the two terms are interchangable.

Does refinancing hit your credit?

As part of a mortgage application a new credit score will be carried out at the point of application, and if you move your funding facilities then the new loans will be recorded on your or your businesses credit report. There is not necessarily any negative to this, unless you have made lots of applications that have been rejected by other lenders. This can impact both your and your businesses credit score.

Are property portfolio loans good for you?

Property portfolio loans can be helpful if you have a number of properties, they can enable you to have all of your funding in one place which can simplify the number of payments that you need to make, and reduce the costs involved in refinancing assets frequently as fixed terms come up. However, really it is all down to your personal circumstances as to whether property portfolio finance is appropriate to you. Please get in touch with our team if you would like to discuss your circumstance, we provide a free no obligation consultation to all clients.

How much can I borrow against my property portfolio?

There are a number of factors which will determine the maximum amount that you can borrow against your property portfolio, these include:

  • The types of properties that you own
  • The income that these properties generate
  • The tenants that you have in the properties
  • Your personal (or businesses) credit score
  • The amount of debt which you currently have against the properties

Our team will carry out a free portfolio evaluation with clients where we establish all of the above, then we identify suitable funding solutions based upon the circumstances that are identified.

What credit score do you need for a property portfolio loan?

There is no set rule for credit score for portfolio renfinacing, however it is important that you have not missed any payments, as this is looked upon negatively by lenders. If you are concerned about your credit score, the best thing to do is run a credit report, this will then tell you where you stand.

What are the qualifications for a property portfolio loan?

The key element for a property portfolio mortgage is the number of properties, the FCA define a portfolio landlord as one who has 4 or more properties, therefore to use a portfolio loan this is the minimum number that a lender will require.

How does a portfolio mortgage work?

A portfolio mortgage allows landlords to place all of their buy to let mortgages under one mortgage. A portfolio mortgage is treated as a single account. Rather than having separate lenders for each property, the entire portfolio is undertaken by one lender, hence one monthly payment.


Leverage potential through property.
  • Highly experienced bank trained team.
  • £1bn+ of assets funded to date.
  • Large panel of lenders.
  • Property experts.

+44(0)8433 308581